CA3104145A1 - Computer system and computer-implemented method for creating a savings plan for specific purchases - Google Patents
Computer system and computer-implemented method for creating a savings plan for specific purchases Download PDFInfo
- Publication number
- CA3104145A1 CA3104145A1 CA3104145A CA3104145A CA3104145A1 CA 3104145 A1 CA3104145 A1 CA 3104145A1 CA 3104145 A CA3104145 A CA 3104145A CA 3104145 A CA3104145 A CA 3104145A CA 3104145 A1 CA3104145 A1 CA 3104145A1
- Authority
- CA
- Canada
- Prior art keywords
- customer
- savings
- computer
- item
- funds
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 272
- 238000012546 transfer Methods 0.000 claims abstract description 167
- 230000009471 action Effects 0.000 claims abstract description 8
- 238000004891 communication Methods 0.000 claims description 48
- 230000000737 periodic effect Effects 0.000 claims description 27
- 238000007726 management method Methods 0.000 claims description 20
- 238000012384 transportation and delivery Methods 0.000 claims description 20
- 238000012544 monitoring process Methods 0.000 claims description 17
- 238000004519 manufacturing process Methods 0.000 claims description 15
- 230000000977 initiatory effect Effects 0.000 claims description 9
- 239000000344 soap Substances 0.000 claims description 4
- 230000008569 process Effects 0.000 description 32
- 238000003860 storage Methods 0.000 description 20
- 239000008186 active pharmaceutical agent Substances 0.000 description 9
- 238000012545 processing Methods 0.000 description 9
- 230000008901 benefit Effects 0.000 description 8
- 238000012790 confirmation Methods 0.000 description 8
- 230000007246 mechanism Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 6
- 238000010586 diagram Methods 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 5
- 230000003993 interaction Effects 0.000 description 5
- 238000012360 testing method Methods 0.000 description 5
- 230000004913 activation Effects 0.000 description 4
- 238000004422 calculation algorithm Methods 0.000 description 4
- 238000004590 computer program Methods 0.000 description 3
- 238000013500 data storage Methods 0.000 description 3
- 238000012423 maintenance Methods 0.000 description 3
- 230000004044 response Effects 0.000 description 3
- 230000006399 behavior Effects 0.000 description 2
- 230000008859 change Effects 0.000 description 2
- 230000002860 competitive effect Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000012011 method of payment Methods 0.000 description 2
- 238000003825 pressing Methods 0.000 description 2
- 230000003442 weekly effect Effects 0.000 description 2
- 208000012468 Ewing sarcoma/peripheral primitive neuroectodermal tumor Diseases 0.000 description 1
- 238000005267 amalgamation Methods 0.000 description 1
- 230000003466 anti-cipated effect Effects 0.000 description 1
- 238000013473 artificial intelligence Methods 0.000 description 1
- 239000011449 brick Substances 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 239000003795 chemical substances by application Substances 0.000 description 1
- 235000014510 cooky Nutrition 0.000 description 1
- 230000003247 decreasing effect Effects 0.000 description 1
- 230000001419 dependent effect Effects 0.000 description 1
- 230000002996 emotional effect Effects 0.000 description 1
- 230000005484 gravity Effects 0.000 description 1
- 238000005259 measurement Methods 0.000 description 1
- 239000004570 mortar (masonry) Substances 0.000 description 1
- 230000002085 persistent effect Effects 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 238000009877 rendering Methods 0.000 description 1
- 238000012552 review Methods 0.000 description 1
- 239000007787 solid Substances 0.000 description 1
- 238000012358 sourcing Methods 0.000 description 1
- 230000029305 taxis Effects 0.000 description 1
- 230000000007 visual effect Effects 0.000 description 1
- 230000004580 weight loss Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
- G06Q30/0637—Approvals
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Date Recue/Date Received 2020-12-24
Description
A SAVINGS PLAN FOR SPECIFIC PURCHASES
Technical Field [0001] The embodiments disclosed herein relate to electronic transactions, and, in particular to systems, methods, and devices for processing financial transactions for budgeting and savings assisting services and provides mechanisms to incorporate an assistance program into the acquisition of goods and services.
Introduction
Summary
determining that the customer does not have sufficient funds to purchase an item; further determining that the customer does not have sufficient credit to purchase the item; providing a selection mechanism to the customer to create a payment plan wherein the savings plan is based on a series of payments into a savings account, and when the savings account has sufficient funds to purchase the item, a purchasing action is initiated.
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
Another similar benefit may be to honor any price reductions or sales on the product for the customer. Another benefit may be to honor a 'lowest price' guarantee if one of the supplier's competitors offers a lower price for the same item. These functions may be automated by processes in the server system that could scan competitive advertisements or be responsive to notifications from customers that a better price has been found.
Date Recue/Date Received 2020-12-24
for example where a bricks and mortar retailer may wish to direct the savings server to 'save up' for a particularly expensive showcase item, or a stock group of items for next season.
In this case the percentage of the transaction that is charged to the supplier as part of the standard card payment fee covers the cost of administering the account for this purpose.
Using the additional revenue from loaning the accumulated savings for at least one of:
defraying the cost of administering the savings account, providing a discount on the price of the item, providing credits for future purchases, providing reward items for savings plan participation, defraying the warehousing costs for the supplier of selected items.
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
The method also includes displaying on a customer computer display device at least one additional payment option if the customer has insufficient credit to transfer electronic funds equal to the indicated price. The method provides that the at least one additional payment option includes initiating a savings plan to transfer electronic funds to a savings account for to accumulate electronic funds equal to the indicated price at a future date.
Date Recue/Date Received 2020-12-24
The method also includes automatically electronically transferring funds at a future time according to the savings plan and equal to the indicated price. The method also includes storing instructions on a computer readable memory to automatically electronically transfer electronic funds from the savings account when the savings account has accumulated funds equaling the indicated price.
Date Recue/Date Received 2020-12-24
The method also includes displaying, on the display of the display of the customer computer, a customer savings plan to make electronic fund transfers to a savings account to accumulate an indicated price. The method also includes automatically electronically transferring funds according to the savings plan and equal to the indicated price within Date Recue/Date Received 2020-12-24 the time period. The method also includes providing an electronic guarantee to the customer computer that the item will be available at the indicated price at the end of the valid time period. The method also includes physically sending the item to the customer at the end of the valid time period.
The method includes providing a customer computer input device for selecting the item.
The method also includes displaying on a computer display device an indicated price for the item that is valid within a time period. The method also includes displaying on the customer display device an offer to purchase the time with a savings plan. The method may provide that the savings plan includes automatic electronic fund transfers to a savings account to accumulate the indicated price. The method may provide that the savings plan is structured to accumulate funds equal to the indicated price within the valid time period.
The method also includes storing instructions on a computer readable memory for a production and delivery schedule to make the item available at the end of the production and delivery schedule. The method also includes determining on the computer processor a probable date on which the savings account will accumulate funds equal to the indicated price based on the savings plan. The method also includes physically sending the item to the customer at the end of the valid time period Date Recue/Date Received 2020-12-24
The system also includes a computer readable memory with stored instructions for a production and delivery schedule to make the item available at the end of the production and delivery schedule. The system also includes a computer processor configured to determine a probable date on which the savings account will accumulate funds equal to the indicated price based on the savings plan.
defraying the cost of administering the savings account, providing a discount on the price of the item, providing credits for future purchases, providing reward items for savings plan participation, and defraying the warehousing costs for the supplier of selected items.
Date Recue/Date Received 2020-12-24
The method also includes providing the customer computer input device to select a date on which the quantity of item is to be available to the supplier. The method also includes displaying an indicated price for the item on a customer computer display device that is valid within a time period. The method also includes displaying on the customer computer display device an option to automatically electronically transfer funds to a savings account according to a savings plan to accumulate the indicated price, wherein the savings plan is structured to accumulate funds equal to the indicated price within the valid time period.
The method also includes providing an electronic guarantee to the customer that the quantity of items will be available at the indicated price at the end of the valid time period.
The method also includes physically sending the item to a customer at the end of the valid time period.
Date Recue/Date Received 2020-12-24
The system also includes a customer computer device configured to create a savings plan, wherein the savings plan is based on automatically electronically transferring funds to a joint savings account to accumulate a electronic funds to reach a savings goal equal to the indicated price. The customer computer device is also configured to send an electronic invite to at least one additional customer device to join the savings plan. The customer computer device is also configured to display information regarding the progress to the savings goal. The system also includes at least one additional customer computer device configured to accept the electronic invite and select an electronic funds Date Recue/Date Received 2020-12-24 transfer amount and a frequency of electronic funds transfer to the joint savings account.
The system also includes a computer server connected to the customer computer device and at least one additional customer computer device, the computer server configured to determine the balance of the respective electronic fund transfers between the customer computer device and the at least one additional customer computer device of the to the joint savings account. The computer server is also configured to transfer funds from the joint savings account when the savings account accumulates funds equal to the savings goal.
Date Recue/Date Received 2020-12-24
Brief Description of the Drawings
Date Recue/Date Received 2020-12-24
source account access number entry.
Savings Item Setup
Savings Plan Registration Form
Savings Plan Offer for Insufficient Funds/Credit
Date Recue/Date Received 2020-12-24
Detailed Description
For example, and without limitation, the programmable computer may be a programmable logic unit, a mainframe computer, server, and personal computer, cloud-based program or system, laptop, personal data assistance, cellular telephone, smartphone, or tablet device.
Date Recue/Date Received 2020-12-24
Each such computer program is preferably stored on a storage media or a device readable by a general or special purpose programmable computer for configuring and operating the computer when the storage media or device is read by the computer to perform the procedures described herein.
article may be used in place of the more than one device or article.
In addition, revenues may be realized from the interest on the Savings Plan Funds, and from transaction commissions for purchasing the item when sufficient funds have accumulated.
Also on the storefront is typically another button labeled 'proceed to checkout' or similar 111. This button allows the user to progress to the next stage of the purchase, where further information related to the transaction is gathered, including a confirmation of items for the savings plan as shown in Figure 13. If the savings plan is not set up, there may also be a registration to the savings plan as shone in Figure 14. In addition, a path to the savings system may also occur if an attempted purchase was declined due to insufficient funds, as in Figure 15.
In such cases, the user may be prompted to continue to purchase the item, but through the budgeting process.
The system provides that the savings plan is based on a series of electronic fund transfers into a savings account to accumulate electronic funds in the savings account equaling the indicated price. The system also includes a computer server which includes a computer processor configured to determine that the customer does not have sufficient funds and sufficient credit to electronically transfer funds equaling the indicated price. The server also includes a computer readable memory with stored instructions to initiate a purchasing action to purchase the item for the customer when the savings account has sufficient funds to purchase the item.
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
Independent of the account setup strategy, the Savings Plan Institution holds the funds on behalf of the Client, and on request reports the amount of money currently in the account. Should the client require the money saved in the savings account, the Client may directly access the account at the Savings Plan Institution. This provides a reassurance to the Client that the money that they are saving is under the Client's control, and the Client does not need to rely on the vendor to refund any saved money.
Date Recue/Date Received 2020-12-24
Thus the 'change' from that transaction is virtually deposited into the Savings Account.
The Economizing Rule 402, compares category expenditures for regular purchases, such Date Recue/Date Received 2020-12-24 as electric power, entertainment, transportation, shopping, dining, travel, education and calculates the amount over or under budget. If under budget, the amount under budget may be transferred to the Savings Account. This has the advantage of encouraging frugal spending habits, and experiencing the reward of having the goal of the item purchase occur sooner. The Periodic Rule 403, is a relatively simple rule that creates periodic withdrawals from the Spending Account and corresponding deposits to the Savings Account of specific amounts. These withdrawals may be of a specified uniform amount, or they may be increasing or decreasing according to a formula, depending on the budgetary needs of the Client. The Other Rule 404, may include a variety of other funds transfer triggers with associated amounts, including such trigger events as getting a cashback bonus for another purchase, having a favourite sports team win, accomplishing a personal goal such as weight loss or completing a goal such as a 10K run, or a received gift. The trigger criteria may be set up beforehand, along with the method of measurement to detect the triggers. These rules may be automated by various methods, including monitoring internet for news items, monitoring personal activity software for accomplishments, monitoring a bank account for atypical activity, or other such means.
Figure 5 shows an exemplary user interface screen that a Client would see as a status screen for the parameters of the Savings System. The Savings Plan ID 501, displays a unique identifier for the Savings Plan. This plan identifier is assigned by the Merchant Savings Server through well known methods. The Purchase Item 502, is a text identifier based on the product information selected by the Client from the Client Web Browser. The text is normally human readable, and allows the Client to recall what item is being saved for. The Purchase Price 503, is the price of the item. In a preferred embodiment, there is an agreement or contract between the Client and the Product Supplier that the item will be available for purchase at the agreed time and at no greater than the Purchase Price. The Time for Purchase 504, is the time at which the funds are predicted to be available to purchase the item. In a preferred embodiment, this is a fixed time. In other embodiments, this time may be a range of times. This range of times may be calculated by reviewing the Client's Spending Account and the various contribution Rules (Drawing 4: 401-404) and using predictive Artificial Intelligence to predict both the most likely Time for Purchase and the range of probable variance. The Verified Available field 505, is a binary field indicating if the Product Supplier has ensured that the item selected will be guaranteed to be available at the Time for Purchase. The Savings Account ID 506, is an identifier for the Savings Account associated with this Savings Plan.
In one embodiment, this number is the same as the account number at the Savings Plan Institution. The Institution 507, is a unique identifier referencing the Savings Plan Institution. The Savings Strategy Parameter 509, identifies one or more of the contribution Rules (Drawing 4: 401-404) that are in place, and any associated parameters.
The On Savings Early 510, indicates one of several actions that are to be taken if the Purchase Price is reached earlier than the Time for Purchase. Options in the preferred embodiment include 'Purchase Early', 'Wait and Collect Interest', 'Request Item Upgrade'.
The On Savings Time Expiry 511, indicates what action should be taken if the Purchase Price is not saved before the Time for Purchase. Options in the preferred embodiment include Date Recue/Date Received 2020-12-24 'Abandon and refund savings to date', 'Select alternate product', and 'Ask product supplier for time extension'.
Date Recue/Date Received 2020-12-24 Thus, the computer processor, computer input device, and computer readable memory as described herein, in combination with the computer, solves a computer problem.
To continue the process, the Merchant Savings Server sends a 'Start savings account' message 604, to the Savings Plan Institution, to establish a savings account for the purpose of this purchase. In one embodiment, the Savings Plan Institution sends a message 605 to the Spending Account Institution to request periodic transfers from the Spending Account to the Savings Plan Account. For other embodiments, where the funds transfer rules are less regular or more complex, the Merchant Savings Server may send messages (not shown) directly to the Spending Account Institution for individual funds transfer events over the course of the Savings Plan. The Spending Account Institution responds to the withdrawal requests by sending an `Ack setup' 606, 607 message acknowledging that the transfers are authorized. The acknowledgement may happen between the Savings Plan Institution and the Spending Account Institution, or between the Merchant Savings Server and the Spending Account Institution as previously discussed. The Merchant Savings Server confirms with either an interrogation (not shown) of the Product Supplier, or though interrogating an internal database that the Product Supplier will honour the delivery of the item at the Purchase Price at the Time for Purchase. The Merchant Savings Server then relays the combined status of the contract for delivery at a future time with the acknowledgement of the successful setup of the Savings Plan in a Deal' message 608 to the Client
In corresponding embodiments, the Merchant Savings Server 803 architecture is extendable such that additional services may be introduced to the server cluster and begin to serve customers effectively immediately. Microservices 809 that may exist would individually implement separable elements of the Merchant Savings Server cluster's overall functional purpose. Possible examples include a Reminder Service, Transaction Manager Service, Escrow Service, Account Management Service, Escrow Service, and others.
Figure 9 illustrates the different protocols that enable communication between all of the system's elements. Protocol 901 facilitates customer-to-customer interactions, such as the interaction necessary for two customers to save for an item together. This protocol could be via either a messaging service provided for users within a store interface, or an existing messaging service such as SMS or email.
Protocols 902, 903 facilitate the interactions of customers with the Merchant Savings Server.
902, 903 may include two protocols: one for incoming queries and responses, and one for server-initiated communications such as reminders and other notifications. In some embodiments, 902 and 903 may be implemented on the the same communications channel. For a few examples, 902 may be embodied by a JSON, SOAP, XML or GraphQL
based API. Protocol 903 may be embodied by SMTP, automated SMS and/or a push notifications system for communication with mobile devices, or other such protocols. In one embodiment, protocol 901 may be simulated by protocols 902, 903 where the Merchant Savings Server itself facilitates the communication between the customers using these protocols 902, 903. Protocol(s) 904 facilitates communication between the Merchant Savings Server and Product Supplier(s). 904 represents a set of protocols necessary for communicating with Product Suppliers across different industries and different communication sophistication. For example, some suppliers may only take phone orders. Others may have RESTful APIs that are either internal or external. Still more may have advanced GraphQL APIs or similar. Communication protocol 905 facilitates database communication. Protocol 905 may be implemented as the ubiquitous Open DataBase Connectivity protocol (ODBC), the similar Java DataBase Connectivity protocol (JDBC) or Microsoft's more advanced OLE-DB protocol, for example.
Protocol Date Recue/Date Received 2020-12-24 906 facilitates communication between the Merchant Savings Server and financial institution(s). Banks have begun to adopt modern web-based communication mechanisms, such as Scotiabank's open source RESTful JSON API, a client for which is available to developers on GitHub. However, other protocols which are specific to the industry such as SWIFT or IS020022 may be used to facilitate communication with financial institutions and perform EFTs, Savings Account creations, etc.
Protocol 907 represents the internal communication mechanism between the institution and any Savings Accounts. Its depiction serves to emphasize that while the Merchant Savings Server may also interact with these accounts directly, it must delegate some account interactions, such as account creation, to be executed by an external financial institution.
Protocol 908 represents those communications which are not heavily dependent on the internal mechanisms of a financial institution. For example, some institutions provide straightforward APIs for reading and even manipulating account information directly to their customers that circumvent some of the traditional complexity of account management.
Figure 10 illustrates an embodiment where the Merchant Savings Server 1003, 1004, 1005, 1011 is composed of a number of distributed server clusters.
Each cluster may be maintained by an individual participant in the network and itself be composed of microservices that pertain to the specific elements of the savings plan system that are most relevant to the corresponding participant. Participants include customers 1001, 1002, Product Suppliers 1009 and financial institutions 1010.
The microservices composing the type of cluster 1011 maintained by a financial institution 1010 may, for example, contain Smart Contracts Services, Account Management Services and Transaction Management Services, but not a Reminder Service since reminders are useful for motivating individuals and not large corporations.
Three basic types of clusters are Personal Clusters 1003, Business Clusters 1004 and Institution Clusters 1005. The distributed server architecture in corresponding embodiments may remain in-sync and share transaction related information via a Distributed Ledger technology 1013. The Distributed Ledger 1013 may be managed using a new distributed blockchain technology. This blockchain technology would have the three traditional blockchain components: distributed data structure (the Distributed Ledger), consensus Date Recue/Date Received 2020-12-24 algorithm (a Proof of Stake variant) and network (the network architecture discussed here). As with most blockchain 2.0 technologies, Smart Contracts play a role.
In this case, Smart Contracts embody the Savings Plan logic. A Proof of Stake consensus variant where individuals have "scoped stake" in only those markets which they have demonstrated interest in by either starting a Savings Plan towards a future goal, or purchasing items in the past, facilitates the honest maintenance of the Distributed Ledger 1013 since users who have vested interest in a market are the ones who may most easily publish the relevant transaction records in blocks. These same users are the most unlikely to choose to invalidate the records pertaining to the items they wish to acquire.
For each savings item 1306, a price 1311 associated with the item is also displayed.
Date Recue/Date Received 2020-12-24
The user interface 1601 provides a products button 1606 to allow a supplier administrator to select which products may be purchased using a savings plan.
The user interface 2000 displays items 2005 which are listed on the supplier's online store and user may individually or collectively select items which may be purchased by a customer using a computer implemented method of providing a customer with an alternative method of purchasing the item provided herein.
options on a supplier online store, in accordance with an embodiment. The user interface 2300 may use any communications protocol may be used by the user interface 2300 to communicate between the customers and the Merchant Savings Server including, without limitation, JSON, SOAP, XML, or GraphQL.
Date Recue/Date Received 2020-12-24
Fractional installments 2715 allow customers to specify amounts saved in each installment towards to purchase of the item. Periodic installments 2720 allow customers to specify a time frame or goal date 2730 to save to purchase an item. The user interface 2700 allows for selecting time frame 2725 for saving the installments. While weekly and monthly time frames are shown, any period of time may be used for saving installments. The supplier may also set the price saved 2735 by the customer in each installment.
The method also includes storing instructions on a computer readable memory for a production and delivery schedule to make the item available at the end of the production and delivery schedule. The method also includes determining on the computer processor a probable date on which the savings account will accumulate funds equal to the indicated price based on the savings plan. The method also includes physically sending the item to the customer at the end of the valid time period
Thus, the computer processor, computer input device, and computer readable memory as described herein, in combination with the computer, solves a computer problem.
The user interface 3000 also displays the payment status 3010, indicating whether the payment using the savings plan has been completed or is still pending.
The tool allows the supplier to determine whether the savings plan system is operational. The user interface 3100 displays a payment plan renewal period 3105 for the simulated order. The Date Recue/Date Received 2020-12-24 user interface 3100 also displays an incremental payment amount 3110 to be charged at each renewal period 3105.
The devices 12, 14, 16, 18, 22 may include one or more of a memory, a secondary storage device, a processor, an input device, a display device, and an output device.
Memory may include random access memory (RAM), content addressable memory (CAM) and Ternary CAM (TCAM) or similar types of memory. Also, memory may store one or more applications for execution by processor. Memory may also be used for data comparisons for routing purposes. Applications may correspond with software modules comprising computer executable instructions to perform processing for the functions described below. Secondary storage device may include a hard disk drive, floppy disk drive, CD
drive, DVD drive, Blu-ray drive, or other types of non-volatile data storage.
Processor may Date Recue/Date Received 2020-12-24 execute applications, computer readable instructions or programs. The applications, computer readable instructions or programs may be stored in memory or in secondary storage, or may be received from the Internet or other network 20. Input device may include any device for entering information into device 12, 14, 16, 18, 22.
For example, input device may be a keyboard, keypad, cursor-control device, touch-screen, camera, or microphone. Display device may include any type of device for presenting visual information. For example, display device may be a computer monitor, a flat-screen display, a projector or a display panel. Output device may include any type of device for presenting a hard copy of information, such as a printer for example. Output device may also include other types of output devices such as speakers, for example. In some cases, device 12, 14, 16, 18, 22 may include multiple of any one or more of processors, applications, software modules, second storage devices, network connections, input devices, output devices, and display devices.
That is, the user of the device may manipulate one or more input devices (e.g. a touchscreen, a mouse, or a button) causing the device to perform the described act. In many cases, this aspect may not be described below, but it will be understood.
Date Recue/Date Received 2020-12-24
Any suitable mechanism for associating a device with an account is expressly contemplated.
In some cases, a device may be associated with an account by sending credentials (e.g.
a cookie, login, or password etc.) to the server platform 12. The server platform 12 may verify the credentials (e.g. determine that the received password matches a password associated with the account). If a device is associated with an account, the server platform 12 may consider further acts by that device to be associated with that account.
Date Recue/Date Received 2020-12-24
with a touch-sensitive overlay 1140 connected to an electronic controller 1160 that together comprise a touch-sensitive display 1180), an actuator assembly 1200, one or more optional force sensors 1220, an auxiliary input/output (I/O) subsystem 1240, a data port 1260, a speaker 1280, a microphone 1300, short-range communications systems and other device subsystems 1340.
Information, such as text, characters, symbols, images, icons, and other items that may be displayed or rendered on a portable electronic device generated by the processor 102 may be displayed on the touch-sensitive display 118.
The accelerometer 1360 may be utilized for detecting direction of gravitational forces or gravity-induced reaction forces.
interface 1400 for communication with a network (such as the wireless network 1500).
Alternatively, user identification information may be programmed into the flash memory 1100 or performed using other techniques.
Additional applications may be loaded onto the portable electronic device 1000 through the wireless network 1500, the auxiliary I/O subsystem 1240, the data port 1260, the short-range communications subsystem 1320, or any other suitable device subsystem 1340.
subscriber may also compose data items, such as e-mail messages, for example, which may be transmitted over the wireless network 1500 through the communication subsystem 1040.
Date Recue/Date Received 2020-12-24
Claims (110)
a computer display device displaying a user interface configured to provide the customer with a computer input device to create a savings plan to purchase an item with an indicated price, wherein the savings plan is based on a series of electronic fund transfers into a savings account to accumulate electronic funds in the savings account equaling the indicated price; and a computer server further comprising:
a computer processor configured to determine if the customer has sufficient funds or sufficient credit to electronically transfer funds equaling the indicated price; and computer readable memory with stored instructions to initiate a purchasing action to purchase the item for the customer when the savings account has sufficient funds to purchase the item.
Date Recue/Date Received 2020-12-24
determining on a computer processor whether the customer has sufficient credit to transfer electronic funds equaling an indicated price of an item;
providing a computer input device for a customer to select a savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into an savings account to accumulate funds equal to the indicated price; and storing instructions on a computer readable memory to initiate transfer of electronic funds when the computer processor determines the savings account has sufficient funds to transfer electronic funds equaling the indicated price.
Date Recue/Date Received 2020-12-24
a customer computer input device to select an item with an indicated price;
a computer processor connected to the customer input device configured to determine whether the customer has sufficient credit to transfer electronic funds equal to the indicated price; and a customer computer display connected to the customer input device configured to display at least one additional payment option on a computer display device if the customer has insufficient credit to electronically transfer funds equal to the indicated price of the item, wherein the at least one additional payment option includes initiating a savings plan to transfer electronic funds to a savings account to accumulate electronic funds equal to the indicated price at a future date.
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
providing a computer input device for a customer to select an item with an indicated price;
determining on a computer processor whether the customer has sufficient credit to transfer electronic funds equal to the indicated price; and displaying on a customer computer display device at least one additional payment option if the customer has insufficient credit to transfer electronic funds equal to Date Recue/Date Received 2020-12-24 the indicated price, wherein the at least one additional payment option includes initiating a savings plan to transfer electronic funds to a savings account for to accumulate electronic funds equal to the indicated price at a future date.
Date Recue/Date Received 2020-12-24
Date Recue/Date Received 2020-12-24
a computer processor configured to determine whether a customer has sufficient funds and sufficient credit to transfer electronic funds equaling an indicated price of an item;
a customer computer input device configured to:
select a partial payment option to electronically transfer a partial amount of electronic funds equal to less than the indicated price, wherein the partial amount is based on the funds and credit the customer has available; and provide an option to the customer to create a savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account equaling the difference between the partial amount and the indicated price; and a computer readable memory with stored instructions to initiate a transfer of electronic funds when the savings account accumulates electronic funds equal to the difference between the partial amount and the indicated price.
determining on a computer processor that the customer does not have sufficient funds and sufficient credit to transfer electronic funds equaling an indicated price of an item;
Date Recue/Date Received 2020-12-24 providing on a computer input device to a customer to select an option to electronically transfer a partial amount of electronic funds equal to less than the indicated price, wherein the partial amount is based on the funds and credit the customer has available;
providing a computer input device to the customer to create a savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account equaling the difference between the partial amount and the indicated price; and storing instructions on a computer readable memory to initiate a transfer of electronic funds when the savings account accumulates electronic funds equal to the difference between the partial amount and the indicated price.
a customer computer display device configured to display a plurality of payment types for each item with an indicated price, wherein at least one payment type is a savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account accumulatively equaling the indicated price;
a customer computer input device configured to select each item to purchase using the savings plan;
a computer server with a computer readable memory with stored instructions to:
automatically electronically transfer funds to the savings account according to the savings plan and cumulatively equal to the indicated price; and Date Recue/Date Received 2020-12-24 automatically electronically transfer electronic funds from the savings account when the savings account has accumulated funds equaling the indicated price.
displaying on a customer computer display device a plurality of payment types for each item with an indicated price, wherein at least one payment type is a savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account cumulatively equaling the indicated price;
providing a customer computer input device to select each item to purchase using the savings plan;
automatically electronically transferring funds at a future time according to the savings plan and equal to the indicated price; and storing instructions on a computer readable memory to automatically electronically transfer electronic funds from the savings account when the savings account has accumulated funds equaling the indicated price.
Date Recue/Date Received 2020-12-24
a customer computer device configured to:
select with an input device the item on a customer computer;
display with a display device an indicated price for the item that is valid within a time period;
display with the display device a customer savings plan to make electronic fund transfers to a savings account to accumulate electronic funds equal to an indicated price;
a computer server configured to:
automatically electronically transferring funds according to the savings plan and equal to the indicated price within the time period;
provide an electronic guarantee to the customer computer that the item will be available at the indicated price at the end of the valid time period; and
Date Recue/Date Received 2020-12-24
providing an input device on a customer computer to select the item on a customer com puter;
displaying on a display of the customer computer an indicated price for the item that is valid within a time period;
displaying, on the display of the display of the customer computer, a customer savings plan to make electronic fund transfers to a savings account to accumulate an indicated price;
automatically electronically transferring funds according to the savings plan and equal to the indicated price within the time period;
providing an electronic guarantee to the customer computer that the item will be available at the indicated price at the end of the valid time period; and physically sending the item to the customer at the end of the valid time period.
Date Recue/Date Received 2020-12-24
providing a customer computer input device for selecting the item;
displaying on a computer display device an indicated price for the item that is valid within a time period;
displaying on the customer display device an offer to purchase the time with a savings plan; wherein the savings plan includes automatic electronic fund transfers to a savings account to accumulate the indicated price, wherein the savings plan is structured to accumulate funds equal to the indicated price within the valid time period;
storing instructions on a computer readable memory for a production and delivery schedule to make the item available at the end of the production and delivery schedule;
determining on the computer processor a probable date on which the savings account will accumulate funds equal to the indicated price based on the savings plan; and physically sending the item to the customer at the end of the valid time period.
Date Recue/Date Received 2020-12-24
a customer computer input device configured to select the item;
a customer computer display device configured to:
display an indicated price for the item that is valid within a time period;
display an offer to purchase the time with a savings plan; wherein the savings plan includes automatically transferring electronic funds to a savings account to accumulate the indicated price, wherein the savings plan is structured to accumulate funds equal to the indicated price within the valid time period;
a computer readable memory with stored instructions for a production and delivery schedule to make the item available at the end of the production and delivery schedule; and a computer processor configured to determine a probable date on which the savings account will accumulate funds equal to the indicated price based on the savings plan.
Date Recue/Date Received 2020-12-24
providing a customer input device to select an item;
indicating on a customer display device an indicated price for the item that is valid for within a time period;
providing on the customer input device to select one of a plurality of payment types for each selected item, wherein at least one of the payment types is a savings plan;
providing on the customer input device to create a savings plan for the each selected item for payment by the savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account; and loaning to a third party using a computer server electronic funds equal to the accumulated electronic funds in the savings account.
defraying the cost of administering the savings account, providing a discount on the price of the item, providing credits for future purchases, providing reward items for savings plan participation, and defraying the warehousing costs for the supplier of selected items.
Date Recue/Date Received 2020-12-24 a customer input device configured to:
select an item;
select one of a plurality of payment types for each selected item, wherein at least one of the payment types is a savings plan;
create a savings plan for the each selected item for payment by the savings plan, wherein the savings plan is based on a series of automatic electronic fund transfers into a savings account;
a customer display device configured to:
display an indicated price for the item that is valid within a time period;
a computer server configured to loan electronic funds to a third party equal to the accumulated electronic funds in the savings account;
providing a customer computer input device to select an item;
providing the customer computer input device to select a quantity of the item;
Date Recue/Date Received 2020-12-24 providing the customer computer input device to select a date on which the quantity of item is to be available to the supplier;
displaying an indicated price for the item on a customer computer display device that is valid within a time period;
displaying on the customer computer display device an option to automatically electronically transfer funds to a savings account according to a savings plan to accumulate the indicated price, wherein the savings plan is structured to accumulate funds equal to the indicated price within the valid time period;
providing an electronic guarantee to the customer that the quantity of items will be available at the indicated price at the end of the valid time period; and physically sending the item to a customer at the end of the valid time period.
a customer computer input device configured to:
select an item;
select a quantity of the item;
select a time period in which the quantity of item is to be available to the supplier; and Date Recue/Date Received 2020-12-24 an option to automatically electronically transfer funds to a savings account according to a savings plan to accumulate the indicated price, wherein the savings plan is structured to accumulate funds equal to the indicated price within the time period;
a customer computer display device connected to the customer input device, the customer computer display configured to:
display an indicated price for the item that is valid within the time period;
and a computer server configured to send an electronic guarantee to the supplier that the quantity of items will be available at the indicated price at the end of the valid time period.
displaying on a customer computer display device an item with an indicated price;
providing a customer computer input device to create a savings plan, wherein the savings plan is based on automatically electronically transferring funds to a joint savings account to accumulate a savings goal equal to the indicated price;
providing the customer computer input device to send an electronic invite to at least one additional customer to join the savings plan;
providing at least one additional client computer input device to accept the invite and select an electronic funds transfer amount and a frequency of electronic funds transfer to the joint savings account;
Date Recue/Date Received 2020-12-24 determining on a computer processor the balance of the respective electronic fund transfers between the client and the additional client of the to the joint savings account;
displaying information on a customer computer display device regarding the progress to the savings goal; and storing instructions on computer readable memory to transfer funds from the joint savings account when the savings account accumulates funds equal to the savings goal.
a customer computer display device configured to:
display an item with an indicated price;
a customer computer device configured to:
create a savings plan, wherein the savings plan is based on automatically electronically transferring funds to a joint savings account to accumulate a electronic funds to reach a savings goal equal to the indicated price;
send an electronic invite to at least one additional customer device to join the savings plan;
display information regarding the progress to the savings goal Date Recue/Date Received 2020-12-24 at least one additional customer computer device configured to:
accept the electronic invite; and select an electronic funds transfer amount and a frequency of electronic funds transfer to the joint savings account;
a computer server connected to the customer computer device and at least one additional customer computer device, the computer server configured to:
determine the balance of the respective electronic fund transfers between the customer computer device and the at least one additional customer computer device of the to the joint savings account; and transfer funds from the joint savings account when the savings account accumulates funds equal to the savings goal.
A merchant savings server for enabling a plurality of clients to save for a common savings goal, the server comprising:
a receiving module configured to:
receive from a first client device an electronic invite to join a savings plan to transfer electronic funds to a joint savings account;
receive an electronic acceptance from the at least one additional client device, wherein the electronic acceptance includes an electronic funds transfer amount and a frequency to transfer the electronic funds to the joint savings account;
a transmitting module configured to send the electronic invite to at least one additional client device;
Date Recue/Date Received 2020-12-24 a judgement module configured to:
determine a balance the respective electronic fund transfers of the client device and the at least one additional client device to the joint savings account, wherein the savings plan is based on a series of electronic fund transfer into the savings account to accumulate funds equal to an indicated price of an item, and automatically transfer electronic funds from the savings account when the savings account has accumulated electronic funds equal to the indicated price of the item.
Date Recue/Date Received 2020-12-24
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA3183678A CA3183678A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
CA3183667A CA3183667A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201962954104P | 2019-12-27 | 2019-12-27 | |
US62/954,104 | 2019-12-27 |
Related Child Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA3183667A Division CA3183667A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
CA3183678A Division CA3183678A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
Publications (1)
Publication Number | Publication Date |
---|---|
CA3104145A1 true CA3104145A1 (en) | 2021-06-27 |
Family
ID=76547403
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA3104145A Pending CA3104145A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
CA3183678A Pending CA3183678A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
CA3183667A Pending CA3183667A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
Family Applications After (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA3183678A Pending CA3183678A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
CA3183667A Pending CA3183667A1 (en) | 2019-12-27 | 2020-12-24 | Computer system and computer-implemented method for creating a savings plan for specific purchases |
Country Status (2)
Country | Link |
---|---|
US (1) | US20210201397A1 (en) |
CA (3) | CA3104145A1 (en) |
Families Citing this family (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN114202426B (en) * | 2022-02-16 | 2022-05-20 | 工保科技(浙江)有限公司 | Block chain-based insurance application method, system and medium for electronic insurance function contract |
CN114615320B (en) * | 2022-03-11 | 2023-12-19 | 亚信科技(南京)有限公司 | Service management method, device, electronic equipment and computer readable storage medium |
US11934375B2 (en) * | 2022-07-28 | 2024-03-19 | The Toronto-Dominion Bank | System for automatic data transfer acceleration |
Family Cites Families (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20100153200A1 (en) * | 2004-08-02 | 2010-06-17 | Consumer And Merchant Awareness Foundation | Pay yourself first with automated data input |
US20100299251A1 (en) * | 2000-11-06 | 2010-11-25 | Consumer And Merchant Awareness Foundation | Pay yourself first with revenue generation |
US20030004743A1 (en) * | 2001-03-19 | 2003-01-02 | Jeff Callegari | Methods for providing a location based merchant presence |
US7225154B2 (en) * | 2003-03-17 | 2007-05-29 | The Western Union Company | Methods and systems for coordinating pooled financial transactions |
US7945512B2 (en) * | 2007-03-14 | 2011-05-17 | Ebay Inc. | Spending and savings secondary linked accounts |
US20090125350A1 (en) * | 2007-11-14 | 2009-05-14 | Pieter Lessing | System and method for capturing and storing supply chain and logistics support information in a relational database system |
US20150012431A1 (en) * | 2013-07-05 | 2015-01-08 | Fernando Gomez De Sebastian | Method and system for performing transactions between buyers and suppliers |
-
2020
- 2020-12-24 CA CA3104145A patent/CA3104145A1/en active Pending
- 2020-12-24 CA CA3183678A patent/CA3183678A1/en active Pending
- 2020-12-24 CA CA3183667A patent/CA3183667A1/en active Pending
- 2020-12-24 US US17/134,051 patent/US20210201397A1/en active Pending
Also Published As
Publication number | Publication date |
---|---|
CA3183667A1 (en) | 2021-06-27 |
US20210201397A1 (en) | 2021-07-01 |
CA3183678A1 (en) | 2021-06-27 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20230047869A1 (en) | Systems and methods for sales execution environment | |
US20210201397A1 (en) | Computer system and computer-implemented method for creating a savings plan for specific purchases | |
US8768834B2 (en) | Digital exchange and mobile wallet for digital currency | |
US20130290172A1 (en) | System and method for crowdsourcing, selecting, transacting gifts and financial discounts in physical stores and e-commerce environments | |
US11900373B2 (en) | Blockchain agnostic token network | |
US20220147988A1 (en) | Creating a smart contract on a blockchain ledger | |
WO2011094443A1 (en) | Offer determination and settlement for integrated merchant offer program and customer shopping | |
US20140101012A1 (en) | Online catalogs and collaborative financial planning | |
US11816691B2 (en) | Distribution of fractional equity rewards based on purchase behavior | |
JP7121850B1 (en) | Information processing device, information processing method, and information processing program | |
US11620669B2 (en) | System and method for a digital coin exchange | |
EP3614328A1 (en) | Computer system for conducting a new product campaign and method | |
JP6961840B2 (en) | Service processing methods and equipment, as well as electronic devices | |
JP2022157746A (en) | Information processing device, information processing method and information processing program | |
KR20170037445A (en) | Bank server for brokerage of account receivable and method of operation thereof | |
KR102321495B1 (en) | System and method for transaction of contents and advertisement in a social networking service | |
JPWO2004003805A1 (en) | Point processing apparatus, point processing method, and program for causing computer to execute the method | |
US20220215419A1 (en) | Method and system for refunding a purchase | |
KR20200034390A (en) | The system that manages a accumulation process of a pension linked to consumption | |
US20230010929A1 (en) | Digital voucher marketplace | |
JP2022158810A (en) | Information processing device, information processing method and information processing program | |
WO2020179861A1 (en) | Information processing device, information processing method, and method for generating learned model | |
WO2015077689A1 (en) | User controlled collaborative aspirational savings social network system and method | |
US11475471B2 (en) | Methods and systems for directing transaction rewards | |
US20240062280A1 (en) | Method and System for Energy Transaction Platform |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |
|
EEER | Examination request |
Effective date: 20220518 |